Moving house and your insurance
Getting the keys to your new home soon? Congratulations! You can start packing and moving. Moving house often affects your insurance policies. Fortunately, with these 3 checks you can be sure that you are and will remain properly insured.
If you're moving house, check 3 things:
3. Your insurance policies
Check that you still have the right cover and insurance policies. We've listed the insurance checks for you below.
Stay properly insured when you move house
Moving house involves a lot of organisation. Your insurance policies also move with you. Inform us of your new address and family situation and check that your insurance policies match your new living situation. This keeps you properly insured with the right cover and prevents double insurance and underinsurance.
Two homes for the time being
ABN AMRO home contents insurance covers you at 2 addresses during the move. If one of your homes is empty for longer than 4 months, please get in touch with us.
Damage during house move
Your belongings may get damaged during your house move. Fortunately, your belongings are insured before, during and after your move with home contents insurance. That means you can move house with peace of mind.
Buying or renting
If you rent your property, you do not have to have home insurance. If you have bought a flat, home insurance is often arranged by the Home-owners' Association (VvE). When you buy a house, you have to take out home insurance. This is very important.
Moving house: insurance checks
Legal expenses insurance
Buying a house, moving house and renovating involves a lot of organisation work with lots of different parties. For that reason, it's wise to take out legal expenses insurance. What if you come across hidden defects? Or what if you get into a conflict with a contractor? Legal expenses insurance helps you sort this out and reimburses the costs of legal assistance.
Take out legal expenses insurance
Home insurance
When you buy a home, you should always take out a new home insurance policy. This means you are properly insured for damage to your home and belongings fixed in and to your home caused by incidents such as burglary, fire and storm. Remember to cancel your current home insurance policy, if you have one.
Flat
If you’re buying an apartment, home insurance has often already been arranged by the owners’ association (Vereniging van Eigenaren, VvE). Be sure to check whether your VvE has insured the windows in your home. If they haven’t, you can include the windows in your home contents insurance with us.
New build
Buying a newly built house? During the construction work, a yet-to-be-installed central heating boiler, kitchen or bathroom are usually covered by the builder's own insurance. However, once the construction work is complete, you have to have proper insurance in place.
From purchase to rental
If you’re moving from a home you own to a home you rent, you’ll no longer need home insurance. Be sure to cancel it as soon as the notary has executed the purchase deed (i.e. after the property transfer).
Home contents insurance
Buying a lot of new things for your new home? Most items are covered with no maximum insured amount. If you buy a lot of electronics, art or personal jewellery, check whether your home contents insurance still gives you enough cover after the move.
During your house move
ABN AMRO home contents insurance covers you at two addresses during the move as standard. If one of your homes is empty for longer than four months, please get in touch with us.
Life insurance
When you buy a house, it is a good idea to take out life insurance – especially if your housing costs have risen and young children are moving with you. If you take out life insurance, your next of kin will not be left with a mortgage debt they cannot pay.
Car insurance
If you're moving house and you have an ABN AMRO car insurance policy, your premium may change. This is because the amount of the premium partly depends on your postcode. The new premium will be specified on your new policy. Contact us if you want to know in advance how much your new premium will be.
If you start driving less, you can often save money on your premium by adjusting the mileage you drive each year. You change the mileage in a few simple steps by changing your cover.
Frequently Asked Questions
I'm moving abroad. What will happen to my insurance policies?
If you are moving abroad, your insurance cover will often lapse. Please feel free to give us a call. Our advisers will help you get things sorted out.
Are smoke detectors mandatory?
Since 1 July 2022, it has been mandatory to have smoke detectors in your home. It means you know straight away when there is a fire and you can take immediate action.
ABN AMRO Verzekeringen will not come to your home to check whether you have hung up smoke detectors. Be wary of scammers who try to enter your home by posing as such inspectors.
Can I temporarily insure my belongings at two addresses?
Yes, this is possible. Your old and new homes are both covered under your current home contents insurance as standard for as long as the move takes.
If one of your homes is empty for longer than 4 months, please get in touch with us.
Are my possessions also insured if I store them somewhere else during the move?
If you store possessions at a family member’s or friend’s house or in a storage facility, you have limited cover up to €8,000 per event. This cover can’t be increased.
When do I need to change my address?
When you move house, you need to change the address on your insurance policies. Change your insurance.
I have bought a new property. Do I need to take out a new home insurance policy?
When you buy another home, you need to take out a new home insurance policy for that property. This keeps you properly insured for damage to your home and belongings fixed in and to your home caused by incidents such as burglary, fire and storm.
NB: remember to cancel your current insurance policy once you have sold your old home.